What is truth?

Somehow, in this world certain "cheats" are considered fair play if you play it by the "rule." For example, a person cheats on taxes by claiming "exemptions" is acceptable, but a person cheats other people money by shortchanging them is not acceptable.
I guess the key is knowing the loopholes.

I once received an order from a person who claimed to be a pastor in the US (with poor English though), and he gave me a certain credit card to charge the orders. He said he will have someone picked up the orders, and asked me to contact his "shipping agent" which is apparently not a regular shipping agent (with @yahoo.com email... pretty suspicious). And yes, this "shipping agent" said that the shipping charge is $1,500 or something and he wants the money to be sent via Western Union to a suspicious African name. And I asked the person, and he tried to trick me by promising to pay for the order plus the shipping, and even gave me extra money if I charge them to the card. Surprisingly, the card went through, but I later received a call from my credit card processor that there's a problem with the card, the person did not say what is the problem. And I confronted him and asked why would the credit card processor let it through, and he said it's the bank's problem and not his. One thing he assured me is that the bank will not pay. And I asked, what happened to me then, and he said, it's my loss.

As we heard that the banks are being cheated by their customers, I can't help but thinking, "Doesn't it sound like karma? You reap what you sow." But I also can't stop thinking, is it banks' fault? Or customers? Or ??? It gives me more headaches with no clear solution.

And I ask myself again, what is truth again?